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“ Hi Shakin Steve, Thanks very much for your post. Prudence is always good and it's definitely sensible not to overstretch yourselves financially over something as important as a house but I did the same 30 years ago and never regretted it. Yes, it is the length of the term that causes me the...

I guess that I am older than you or have a longer memory. I remember the period around 1990 when mortgage interest rates went up to 15%. Even with multiples of 3 times earnings at that time, there were a lot of very, very unhappy people. With multiples of 6-8 now, rates don't have to rise as much to...

Bear in mind that your mum's life expectancy is around 25 years. A lot can happen during that time, and it's an awfully long time for you to be paying her mortgage. In particular, you have a very, very accommodating fiancee if she is happily contemplating living the first 25 years of her married lif...

“ if rates never moved then the total "premiums" over 10years would be not far short of Â£38k. <a href="/showthread.php?p=72221270#post72221270" rel="nofollow" title="View original post">Originally posted</a> by getmore4less ” I am talking about risk. If your house never burns...

“ Well you get to pay about Â£13,000 extra in the first two years whilst you wait to find out if your gamble pays off. That would be my concern. <a href="/showthread.php?p=72216282#post72216282" rel="nofollow" title="View original post">Originally posted</a> by amnblog ” But it's the ve...

“ Yes, this is a good idea. It doesn't need to be Â£1 though - 1 penny will do the trick. This is something I always do when setting up a new payee on my account - make a 1p payment first just to check everything goes to where it should. <a href="/showthread.php?s=3036385c25683f06b8cb9955b523...

“ Thank you to everybody who has taken the time to reply. I feel very shaky today, didn't have much sleep. Can anyone offer any advise as to how to go about finding a solicitor please? I don't know any and I'm not sure where to start. Many thanks <a href="/showthread.php?p=72243111#post722431...